Business-Friendly

Lending Services

We provide funding for cross-sector UK SMEs using our five lending models. Loans are secured with an all-asset charge over a Borrower's business, and Borrower revenues flow through controlled bank accounts owned by ArchOver. Our specialist Credit Team performs detailed credit analysis on each loan before approving and listing on the platform. Our Loan Managers monitor the business and its assets monthly, throughout the loan term.

Loan Approval and Management

Our experienced Credit Team performs a detailed credit analysis before a loan is approved and our Loan Managers monitor the Borrowers’ businesses and assets each month throughout the loan term. Whilst we are managing the loan process in the background, we leave you to the day-to-day running and management of your business.

How ArchOver works

As a Borrower, you are required to be a UK limited liability partnership or a limited company and must have a UK bank or building society account. You need to have been operating for 2 or more years, and be seeking a minimum loan of £250,000. You are also required to have a proven management team and business model. Your loan will be secured against your company's assets.

Rates

Loans are for any business purpose, typically raising working capital, replacing invoice discounting, factoring or bank overdrafts. Minimum borrowing level is £250,000. Borrowers pay a competitive rate per annum, a one-off marketing fee of 4.8% and the cost of insurance (Secured & Insured only). We always try to avoid third party legal fees by using simple, standard documentation. However, there are times when legal advice is required - the cost of which will be notified to you in advance and will be for your account.

Our Partners

ArchOver is part of the Hampden Group

ArchOver understood our business requirements straight away and immediately mobilised into action. They have given us the confidence of knowing that a genuinely responsive funding solution actually exists, allowing us to simply get on with growing our business and building value.

– CEO, TLM Technologies

ArchOver was by far the best deal; not because of the interest rate but because of the process. Its platform is definitely an important way of supporting SMEs in their efforts to grow. It turns things around very quickly, and the process is very easy. These platforms are the way of the future.

– MD, Autostop

The whole process was incredibly easy, so much so that we have already directed three of our clients to ArchOver. The platform itself is brilliant and really straightforward.

Speak to the Team

Frequently Asked Questions

Lenders: Your capital is at risk and interest payments are not guaranteed if the borrower defaults. Historic loan default rates are not necessarily indicative of future default rates. Lending over the ArchOver platform is not covered by the Financial Services Compensation Scheme. The current average return is based on the total amount raised over the platform. It is the result of calculating the average Lender return, before tax, of every loan funded over the ArchOver platform, 22 August 2014 to 28 November 2017. Borrowers: In the event of default ArchOver will seek to recover assets to the full value of the loan. For more information about the risks involved please read the full Risk Warning.

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